Insurance In The News

Is it the right time to shop for Auto Insurance?

Did you know that car insurance rates constantly fluctuate and vary each month? Find out when you should shop for new quotes.

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In addition to your input, rates are based on one car and one driver with no traffic violations and state minimum coverage. Rates assume the driver is an employed college graduate and a homeowner with no lapse in coverage. Vehicle is assumed to be garaged on premises and used primarily for commuting and is driven 15,000 miles annually. These rates also include a percentage discount to reflect an aggregate of commonly available carrier discounts. Rates displayed are estimates and are not guaranteed.

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Rates are moving up!

Lock in rates before they rise.

$101a month

Drivers like you are paying an average of $101/mo right now.

How we calculate these rates:

How we calculate these rates:X

In addition to your input, rates are based on one car and one driver with no traffic violations and state minimum coverage. Rates assume the driver is an employed college graduate and a homeowner with no lapse in coverage. Vehicle is assumed to be garaged on premises and used primarily for commuting and is driven 15,000 miles annually. These rates also include a percentage discount to reflect an aggregate of commonly available carrier discounts. Rates displayed are estimates and are not guaranteed.

Rates are on the rise for drivers like you! If you are currently paying more than $101/mo, now may be the perfect time for you to lock in low rates before they rise again.

Give our free customized quote comparison tool a test drive to see just how much your rates can be reduced!

Genetics may lead to unsafe driving, higher car insurance

A study in Cerebral Cortex determined that driving skill is negatively impacted by a gene variant, potentially leading to more accidents and higher car insurance costs.

Thirty percent of people have a gene variant that limits their production of a memory-boosting substance, says lead researcher Steven Cramer. As a result, people with the variant cannot learn to do repetitive tasks as well as those without it.

Researchers had 29 people - 7 with the variant and 22 without - drive a twisty, challenging road course. Four days later they ran the course again - and the drivers with the variant did not remember the course as well the second time. They also drove worse overall.

Brains with the gene variant secrete less of a substance called brain-derived neurotrophic factor. It's a protein that protects nerve cells and enhances their communication with other cells. While Cramer's study did not try to correlate BDNF production with accident rates, the study does indicate that drivers with the BDNF-limiting gene are more prone to mistakes.

There's no commercial procedure that tests for the variant - but all drivers should be cautious and alert to reduce accidents and keep car insurance rates low.